Credit union · NCUA insured
Sandia Area Federal Credit Union CD Rates
Top CarrotSandia Area Federal Credit Union’s best CD rate is 4.20% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Sandia Area Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where Sandia Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sandia Area Federal Credit Union
4.20%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,789
Certificates
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $778
Sandia Area Federal Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sandia Area Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.20%APY · 6 terms
Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Early withdrawal of up to 50% without penalty is permitted once per term for certificates opened on or after 10/23/2023.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.80% | $380 |
| 18 months | 3.95% | $598 |
| 24 months | 4.10% | $837 |
| 36 months | 4.15% | $1,297 |
| 48 months | 4.20% | $1,789 |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.65%APY · 6 terms
Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Penalty-free 50% withdrawal option is not available on IRA certificates. No annual IRA maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 12 months | 3.60% | $360 |
| 18 months | 3.60% | $545 |
| 24 months | 3.60% | $733 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.50% | $1,475 |
Who can join Sandia Area Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Rio Arriba, Mora, San Miguel, or Los Alamos counties are eligible for membership.
Employers and groups
- Anyone committed to Permaculture ethics, graduates of a Permaculture Institute-recognized design course, and members of an affiliated regional Permaculture Institute are eligible for membership.
Family and household
- Immediate family members of an existing Sandia Area member or Sandia Area employee are eligible for membership.
Cost to join
- Establishing membership requires a $5 share deposit and has no membership enrollment fees.
Membership information collected October 4, 2026.